The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,179
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$416/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,661
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$399/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$500/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$479/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$583/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$558/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$750/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,743
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$718/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,282
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,038 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).